State minimums are usually shown as three figures, for example 30/60/25:
Liability insurance pays for harm you cause to others. It does not repair your own car — that's collision and comprehensive coverage, which are optional under state law but often required by a lender or lessor.
A dozen states use a no-fault system, where your own Personal Injury Protection (PIP) pays your medical bills after a crash regardless of who caused it. In those states you'll typically be required to carry PIP in addition to (or instead of) some liability coverage.
After a serious violation such as a DUI, many states require an SR-22 — a certificate your insurer files with the state proving you carry at least the minimum coverage. An SR-22 isn't a type of insurance; it's proof of insurance.
Minimum limits are the legal floor. A single serious accident can easily exceed $25,000–$50,000 in medical and vehicle costs, leaving you personally responsible for the rest. Many drivers choose higher limits (such as 100/300/100) for real protection. Compare quotes to see how little the jump to higher limits often costs.
It means $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability — the state minimum coverage in many states.
It's the legal minimum, not a recommendation. One serious accident can exceed the minimums, so many drivers carry higher limits for real financial protection.
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